Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$62,714Cash toward the purchase price.
Closing costs + prepaids$11,712Not just lender fees.
Before credits & paid funds$74,426The complete starting cash picture.
Estimated remaining funds due at closing
$74,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,714.31
Your down payment$62,714.31
Closing costs + prepaids$11,712.04
Total buyer cash needed$74,426.35
Remaining funds due$74,426.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.75
Prepaid interest, first (31 days)$1,715.29
Fees + prepaids$11,712.04
Your down payment is the seller’s equity. You take over the $287,286 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $74,426.35 is due at closing. Uses and sources reconcile at $361,712.04 each. Not a Closing Disclosure.